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Philip Smith compares 22+ carriers to find your best plan — private PPO, ACA, Medicare, or life insurance. One call. Completely free. No call centers.
Pick a time · Philip calls you back
What are you looking for?
Philip explains every option on your free call — no pressure, no commitment required.
Available year-round — no open enrollment required. See any doctor, no referrals needed.
Government marketplace plans — you may qualify for subsidies that significantly reduce your premium.
Turning 65 or already on Medicare? Compare Advantage and Supplement plans with a licensed agent.
Term, whole life, and final expense coverage to protect your family — from a carrier you can trust.
Not sure which fits you?
Philip walks you through pricing and details on your free call. This table shows the key differences at a glance.
Not sure which fits you? Philip tells you in 5 minutes — free.
Book Free Call →Real people. Real savings. No scripts.
“I was paying $480/month for my old plan. Philip found me a better PPO plan for $142/month. I wish I had done this years ago.”
“Turning 65 was overwhelming. Philip explained every Medicare option clearly and helped me pick the right Advantage plan for my doctors.”
“Self-employed and confused about ACA subsidies. Philip walked me through the whole process and I ended up with $0/month coverage.”
Simple process
Most clients go from first call to enrolled plan in under 24 hours.
A quick 5-minute call — your age, zip, coverage needs, and what you're currently paying.
Live quotes from every carrier, side by side. Philip explains the differences in plain English.
Philip handles enrollment for you. PPO plans start in 5 business days. Always free.
Plain English answers — no insurance jargon.
A PPO lets you see any doctor without a referral, including out-of-network providers. An HMO requires you to choose a primary care physician and get referrals for specialists but typically has lower premiums. Most clients choose PPO for the flexibility.
Most people become eligible at age 65. Your Initial Enrollment Period starts 3 months before your 65th birthday month and ends 3 months after. Missing this window may result in late enrollment penalties — Philip helps you navigate this at no cost.
ACA subsidies (premium tax credits) reduce your monthly cost based on household income. You may qualify if your income is between 100–400% of the federal poverty level. Philip checks your eligibility on your free consultation call.
Completely free. Philip is compensated by the insurance carriers when you enroll — you never pay him directly. If you don't enroll, there's still no charge.
Yes — private PPO plans are available year-round specifically for people in this situation. No open enrollment window required. Coverage can start in as little as 5 business days.
Have another question? Book a free call
One free call with Philip. Compare 22+ carriers. Find your best plan. Most clients save $150–$400/month.
Free · No pressure · NPN #22255420 · FL Lic. #G349232 · Licensed insurance agent